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      "author": "hivecomunitybank",
      "body": "#shortsegments\nThanks",
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      "parent_author": "lee1938",
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      "author": "hivecomunitybank",
      "body": "@@ -2619,24 +2619,200 @@\n ants.%0A%0A---%0A%0A\n+!%5BScreenshot 2026-05-12 at 9.26.11%E2%80%AFPM.png%5D(https://files.peakd.com/file/peakd-hive/hivecomunitybank/23tknPQFUXabfjJZG8hNCYWiRMqJjHE2DYvtkVLU4Ej17R9RF2AeDGRkJ1nutQfBQT5Ne.jpg)%0A%0A\n ### Summary:\n",
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      "parent_author": "",
      "parent_permlink": "hive-comunity-bank",
      "permlink": "hive-comunity-bank-is-a-zero-loss-loans",
      "title": "HIve Comunity Bank is a zero loss loans"
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      "author": "hivecomunitybank",
      "body": "## The Zero-Loss Advantage: Why HiveCommunityBank Redefines Lending\n\nAt its core, **HiveCommunityBank (HCB)** is built to be \"conservative by design.\" Unlike traditional DeFi platforms that rely on aggressive liquidations and speculative models, HCB prioritizes the long-term health of both the borrower and the Decentralized Hive Fund (DHF).\n\nBy eliminating liquidations and collecting interest upfront, we’ve created a **Zero-Loss Model** that protects the community's principal while offering borrowers a stress-free path to liquidity.\n\n---\n\n### 1. The Power of \"No Liquidations\"\n\nMost lending protocols (such as Aave or Compound) rely on \"margin calls.\" If the value of your collateral drops, the system automatically sells your assets to repay the loan. HCB rejects this model for three strategic reasons:\n\n* **Security Through Independence:** Liquidations require \"Price Oracles\" to track market values. Oracles are the #1 target for DeFi exploits and flash-loan attacks. By removing liquidations, HCB removes the oracle, making the protocol **immune to price manipulation and technical failures.**\n* **Borrower Peace of Mind:** We believe you shouldn't lose your HIVE because of a temporary market dip. Our model allows you to retain your stake through volatility, ensuring the bank serves its primary purpose: helping you keep your HIVE.\n* **The Yield Backstop:** Instead of a forced sale, HCB uses \"Powered Up\" HIVE (HP) as collateral. This HP remains in the ecosystem earning curation rewards. If a borrower defaults, the protocol simply retains the HP delegation, converting a \"bad loan\" into a **permanent, income-generating asset** for the community.\n\n### 2. The Efficiency of Upfront Interest\n\nRather than tracking monthly bills or accruing debt over time, HCB deducts the total interest at the moment the loan is issued.\n\n* **Immediate Solvency:** On \"Day Zero,\" the protocol is already made whole. Even if a borrower never interacts with the platform again, the pool has already secured the required revenue for that capital.\n* **Lean Operations:** Upfront collection removes the need for complex debt-tracking engines, late fees, or administrative overhead. This simplicity allows the protocol to function autonomously without dipping into the DHF principal.\n* **The \"Carry Trade\" Benefit:** This is where the math gets exciting. Because the interest is paid upfront and the remaining HBD can be placed in **HBD Savings (currently 15% APR)**, borrowers can actually earn more in interest over 12 months than the cost of the loan itself. This creates a \"net positive\" arbitrage for responsible participants.\n\n---\n\n### Summary: A Fortress for the DHF\n\nThe HiveCommunityBank model ensures that the community fund is never at risk. By the time a loan is finalized:\n\n1. **Revenue is secured** (Interest paid on Day 1).\n2. **Principal is protected** (Never spent; remains in the pool).\n3. **Collateral is safe** (HIVE is never sold in a panic).\n\nThis is more than just a lending tool—it is a sustainable financial engine designed to grow the Hive ecosystem without the risks of traditional DeFi.\n\n---\n\n**[Read more about HiveCommunityBank HERE](https://www.google.com/search?q=%23)**\n\n**[Vote for the Proposal Here](https://www.google.com/search?q=%23)**",
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      "author": "hivecomunitybank",
      "body": "@@ -1401,49 +1401,228 @@\n  is \n-still working for you and earning rewards\n+protected by Hive Wallets 13 week timelock. It takes 13 weeks to powerdown all your Hive, and seven days to receive the first 1/13th of the wallet balance. Plus every day the wallet announces a powerdown is in progress. \n .%0A%0A-\n@@ -1835,110 +1835,125 @@\n nt; \n-it only checks the price once a year, so a quick dip in the market won't cause you to lose your coins.\n+we don't do liquidations, so your Hive is never at risk of being sold because of market volatility or a bear market. \n %0A%0A- \n@@ -2155,29 +2155,387 @@\n ket.\n-%0A%0A- The %22Magic Loop%22:\n+ You of course must check your particular countries tax policies on realized gains on investments and make sure that loan proceeds are not considered realized gains.%0A%0A- The %22Magic Loop%22: You pay all the interest for your 12 month loan upfront, but if you should be unable to pay back your loan at the end of the year, don't worry, your HIve is safe, and we won't sell it. However\n  HCB\n@@ -2632,112 +2632,182 @@\n  1%25 \n-fee. This means you don't have to send the bank \n+penalty feefor not paying back your loan. This means 1%25 of the loan a\n mo\n+u\n nt\n-hly checks or sell any Hive to keep the loan going.%0A\n+ for the whole year. It would take 50 years for this interest penalty charge to consume your Hive.  \n %0A## \n",
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      "author": "kgakakillerg",
      "body": "Please read and share 🙏🏾 \n\nproof of scam on Hive posh 😂😂😂😂  Happy Monday everyone\n\n@acidyo @neoxian @themarkymark @hurtlocker @jacobtothe @steevc @meno @theycallmedan @crimsonclad  and friends ✨⭕✨😂😂😂\n\nDo you really think no one sees what you do 🤔\n\n @acidyo You took my rep away for no reason with the help of blocktrades delegation 😂  @steevc knows all about it \n\n\nYou and themarkymark work for blocktrades or are blocktrades 😂\n\nYou are so sad doing what you do \n\nPromoting your 💩💩💩💩💩💩\n\nSelfvoting your 💩💩💩💩💩💩💩💩💩\n\nYou have downvoted so many people away for no reason \n\n\nYou really need to have a hard long look in the mirror and see what you have become \n\n\nIt doesn't matter if you have people who believe anything you say for a few cents or a few pennies 😂😂😂😂\n\nLook at your buddy oldsoulnewb 😂😂😂😂😂\n\nEverything is documented \n\n\nSo the choice is yours again leave me alone and bring my rep back and I will stop sharing the truth \n\nYou can call my long copy paste comments spam but it only makes you look stupid 😂\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/7ac73bc795b27c13a5cd2952214628407e6585d3.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/3207373c5ac873012c6e2c2014011e308f47f6f1.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/56d8fd91e2e1f5dc0d9ee4c020b356cc3fea8a4d.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/a3f9405bc042f9ac30c1a0b5aad492acca99865a.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/f18aa67c442b657cd882577fc03421271eee4c85.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/3c2f3ac9b910c536d9823955414cbd67707100e7.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/8d165a984170676007c23495fdde76b3ee60a1c0.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/fee9989ac55f149ed54d672ed050a343991b6aca.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/2541ea9546b6db5d455c7029d4afbcf5a236468c.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/8d4e83e9ec7c2880a8b5ca29e7e17d1968e94ffb.jpg)\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/06516c78feeb075be12356ffaab5e215f9745bfe.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/b366bd0fd167407b62040bc7bfb54c8a914835c3.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/78310428dd8078b6756c3346dda3cb5831ddafe8.jpg)\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/aa580c739e16ed3609a386f74ca0b2926134017a.jpg)\n\nI hope you understand you are only making it worse 😂\n\nHive is not a game  it might be a big game to you 🤔\n\nIt seems you love to game Hive don't you 😜 \n\nEveryone sees don't you think it's time to stop 🛑 \n\nYou have shown all the real issues with Hive 😂 you have shown why real people couldn't invest in Hive and build on Hive 😂 \n\nYou are in god mode 😂 activated 😂 you Marky Dan and others 😂😂😂😂😜\n\n\nI hope you enjoyed this post or you might see in comment from 😂 which you like to call spam 😂😂😂\n@jacobtothe Keep digging just remember @acidyo took my rep away with the help of blocktrades delegations and everything is documented 😂😂😂\n\n☝🏾✨⭕✨☝🏾🍻🍻🍻🍻\n\n👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾 \n\n@jacobtothe and friends Please get help there's clearly something wrong with you 🙏🏾 \n\nI hope blocktrades pays you well enough 😂😂😂😂\n\nSome people just never learn when 😂😂😂👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾\n\n@jacobtothe @livinguktaiwan @oflyhigh @abit @adm @eval @hivetoday @abitmore @hurtlocker @hurt-locker @epstein @gundamzerofour @gundamzerotwo   @gundamzerofive @buratus @gungunkrishu @tarabh @nattosenpai @fw206 @ocd @acidyo @hivetrending @mrtats @poshtoken @davideownzall @dudeontheweb @strawhat @angeluxx @cositav @rachaeldwatson @solumviz @poshtoken.wallet @shiftrox @hiddenblade @hivegc @alohaed @tobias-g @nattosenpai @hivetrending @erikah @davidke20 @davideownzall @zingtoken @honey-swap @friendlymoose @x-rain @hivegc @rishi556 @ocd-witness  @russia-btc @ocdb @justinw @nutritree @themarkymark @geekgirl @buynburn @stresskiller @forkyishere @forykw @belikechuck @leovoter @upmyvote @punkteam @makerhacks @wiseagent @steevc @davidthompson57 @meesterboom @demotruk @meno @thelittlebank @knot @buttcoins @snapie @coolmole @davidickeyyall @crimsonclad @smooth @oldsoulnewb @ds-tech @artgirl @flemingfarm @neoxian @nwothini335 @bdvoter.cur @zaku  @mango-juice @empo.voter @empoderat @ferranlogs @trumpman @bhattg @azircon @riverflows @lazy-panda @gogreenbuddy @tarazkp @buildawhale @logic @abit @freedom @solominer @letusbuyhive @bijoy12 @sagarkothari88 @theycallmedan @ipromote @apeminingclub @nathen007 @dlmmqb  @slobberchops @chops316 @littlenewthings @bozz @adm @abit @cwow2 @adm @logic @patrice @spaminator @topcomment @theworldaroundme and friends ✨⭕✨ Please get help 🙏🏾 \n\n@jacobtothe @acidyo @themarkymark @hurtlocker and friends 😁 No one will ever trust you again you weirdo 😂 \n\n\n👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾\nHello everyone I hope you are all good and well today in this post is some of the evidence to prove my case \n\n\nIf you didn't know I've been getting downvoted for a long time on Hive \n\n\nThey have been trying to bully me with downvotes and words but it doesn't affect me I've been online for over 25 years \n\n\nSo I've dealt with people like this before it's nothing new \n\nBut what they are doing is bad Very badi joined steemit like everyone else thinking it offers freedom but I must say steemit offered much more freedom than Hive does \n\n\nEveryone already knows I only post my own original content I have no need to steal anything from anyone \n\n\nI've been labelled a lot of things on Hive 😂 by the biggest farmers scammers and downvoters \n\nActions speak louder than any words do especially when them words are coming from a compolsive liars \n\n\nI will keep updating this post when I get time \n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/6edd6bc1bb7d6fc1b8fc877f5cb7e2e319f36852.jpg)\n\n\n\n\n![kgakakillerg original content](https://img.blurt.world/blurtimage/kgakakillerg/9c46375cec6c8656b18cd84fd221216a33658ac1.jpg)\n\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/fc5338209ede9329f3e72507140542fed7d664c5.jpg)\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/1b62fb30c033f64c98fcec456aaf95162e9328de.jpg)\n\n\n\n\n\n![kgakakillerg original content](https://img.blurt.world/blurtimage/kgakakillerg/a62469fdaa1167e793eafadfcf7aee3753f1eac6.jpg)\n\n\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/704038df145ebbac64fb1588440ba87b624297eb.jpg)\n\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/b3b550bcd467b8858596541447182b51b5b570d0.jpg)\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/8d6054329a52accdc8ca581f0652bcf3fb5ad85b.jpg)\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/9982efcc7fce863348e668eaa379cb8276de2cab.jpg)\n\n\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/c8271af6cbdde9763b42dd9cf6e3ac4a2e48e0ec.jpg)\n\n\n![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/c946ba72680d09ef2698c2c9d7cc344f1f41b4cd.jpg)\n\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmZ9CaxroiHawjDfSe7uMfCAERf2pZSc5WSksP6DUPUod8/InShot_20251013_053640421.jpg)\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmYbcwg1Z3HuX6KVhBdShqC4ETtiRnU3RNnwK4EPkCfAJU/InShot_20251014_051518157.jpg)\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmU7QQQh7gQM31DWeQTMnibDZ8637yPBbJBw3QB6BoV6iE/InShot_20251014_053002464.jpg)\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmYWyWeAb684W7hvdRwRzRv51D21VeAxbKCT72SMfmNUw5/InShot_20251014_055728048.jpg)\n\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmT6irSwrtRYmKDQcBVSfj94CQ2b3VZQ6bLTs4USJD17EN/InShot_20251014_064859863.jpg)\n\n\n![kgakakillerg evidence](https://cdn.steemitimages.com/DQmcHMaPG5tNUEAVSN1iRpVwxfmWHysFZx6jXL7DNjXqS5A/InShot_20251014_065029705.jpg)\n\n\nhttps://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-16-09-2025-20250916181314\n\n\nhttps://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this\n\nhttps://hive.blog/hive-167547/@dlmmqb/re-kgakakillerg-t34wy6\n\nhttps://hive.blog/hive-170475/@acidyo/re-kgakakillerg-t32sw1\n\nhttps://hive.blog/hive-167922/@themarkymark/re-kgakakillerg-t30ziu\n\n\nhttps://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-29-09-2025-20250929172045\n\nNo downvotes for this racist person  🧐 ![kgakakillerg evidence](https://img.blurt.world/blurtimage/kgakakillerg/2d1e39ec221583da8a108f001d6245187b86fd31.jpg)\n\n\nhttps://hive.blog/hive-196387/@acidyo/re-kgakakillerg-t41yr6\n\n\nhttps://hive.blog/dvs/@dhedge/re-kgakakillerg-t3clz3\n\nhttps://hive.blog/hive-150329/@kgakakillerg/t3a8fu\n\nhttps://hive.blog/musical/@steevc/re-kgakakillerg-t2kz1m this post \n\n\n\nTo all the downvoters on Hive When the downvotes stop 🛑 and my rep is back I stop sharing the truth 🙏🏾\n☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾 Keep calling the truth lies 😂☝🏾\n\n\nSo many pretend to be doing god's work but they are really working for the devil 👿 \n\n\nKarma will strike you and who ever supports you 🙏🏾\n\n\n\n☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾\n[To @jacobtothe and friends 😁](https://steemit.com/hive-156383/@kgakakillerg/to-jacobtothe-and-friends)\n\n@crimsonclad please do your job 🙏🏾 \n\nhttps://hive.blog/hive-135178/@crimsonclad/re-kgakakillerg-sxllhv\n\nhttps://hive.blog/hive-148441/@hivewatchers/svftu9\n\nhttps://hive.blog/hive-148441/@hivewatchers/svdjjz\n\nhttps://hive.blog/hive-176853/@steevc/re-kgakakillerg-syyy4x\n\nhttps://hive.blog/dev/@howo/re-kgakakillerg-szhax7 \n\nhttps://hive.blog/hive/@steevc/follow-friday-respect\n\nhttps://hive.blog/hive-127022/@shmoogleosukami/re-kgakakillerg-t0hcxc\n\nIt's unbelievable that they downvoted this [Goodbye Auntie R.I.P 🙏🏾](https://hive.blog/hive-148441/@kgakakillerg/goodbye-auntie-r-i-p)\n\nComments being downvoted by blocktrades https://hive.blog/hive-170744/@kgakakillerg/t0ns3b\n\nhttps://hive.blog/hive-127466/@steevc/re-blocktrades-t0kint\n\nhttps://hive.blog/hive-127466/@blocktrades/t0lq41\n\nhttps://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-2025-06-29-20250629143829\n\n\n\n\n https://hive.blog/hive-127466/@kgakakillerg/t0m1vn\n\nhttps://hive.blog/hive-108278/@kgakakillerg/t0rfo8\n\nhttps://hive.blog/hive-127466/@kgakakillerg/t0vcl7\n\n\nStop farming Hive https://hive.blog/burnpost/@buildawhale/re-1756307402814502169-20250827t151240z\n\n😂😂😂😂😂\n\n[📊 The Untrending Report - Hive Downvote Analysis - 2025-09-07](https://hive.blog/hive/@ureka.stats/the-untrending-report-hive-downvote-analysis-2025-09-07-20250907013710)\n\n[RE: Understanding Pointers in C Programming](https://hive.blog/programming/@makerhacks/re-kgakakillerg-t27r76)\n\n\n[Please Peakd, allow me to completely block spammers (Would you ever vote for this?)](https://hive.blog/hivedev/@makerhacks/please-peakd-allow-me-to-completely-block-spammers-would-you-ever-vote-for-this) thanks for exposing yourself more @makerhacks\n\n\nPlease go through it all instead of calling it spam 😂😂😂😂🤣🤣🤣🤣🤣🤣🤣\n\nhttps://blurt.blog/hive/@candy49/5slvnx-taskmaster4450-is-being-downvoted-on-hive-by-you-know-who\n\n🚨🚨🚨🚨🚨🚨🚨🙄🙄🙄🙄🚨🚨🚨🚨\n\nhttps://hive.blog/hive-108278/@kgakakillerg/themarkymark\n\n\nhttps://hive.blog/hive-178138/@thefed/t6q9kb 🙄🙄🙄🙄🙄🙄🙄🚨🚨🚨🚨🚨🚨🚨🚨🙄🙄🙄🙄🙄\n\nhttps://hive.blog/music/@geneeverett33/11-25-25-three-tune-tuesday-picking-tunes-from-the-punk-band-the-descendents-1982-1997-era\n\n🚨🚨🚨🙄🙄🙄🙄🙄🙄🙄🚨🚨🚨🚨🚨\n\n\nhttps://hive.blog/dmania/@steemcleaners/ps46kb\n\nhttps://hive.blog/hive-124838/@fjworld/re-peaksnaps-t7161i\n\n🚨🚨🚨🚨🙄🙄🙄🙄🙄🙄🙄🙄🙄🚨🚨🚨🚨\n\n\n\nhttps://blurt.blog/blurt-131902/@condividisulweb/3w94e8-hive-manipulation-censorship-and-suspicious-funds-the-hidden-truth\n\n\n🚨🚨🚨🚨🙄🙄🙄🙄🚨🚨🚨\n\nhttps://hive.blog/hive/@kgakakillerg/i-ve-been-put-on-two-blacklists\n\n\n\nThank you for reading and viewing this post \n\n\n\nTo all the downvoters on Hive When the downvotes stop 🛑 and my rep is back I stop sharing the truth 🙏🏾\n\nI'm sharing the truth I know it hurts you but it is what it is 😂🍻\n\n>Consider these entries from @hive.fund's wallet—a digital fortress of staggering proportions:\n\"HIVE: 31,354,125.286\"\n\"HBD: 23,325,897.167\"\n\"Estimated Account Value: $24,860,896.64<\n\nIt's crazy that hives market cap is 36 million dollars 🤔🧐 and a account to hold 24 million dollars 💰 crazy\n\n\nTo everyone who is turning a blind eye to the truth karma will strike you down 🙏🏾\n\nStop Doing the devils work do gods work 🙏🏾\n\n☝🏾😂😂😂😂😂😂😂😂📷📸📸\n\n☝🏾☝🏾☝🏾☝🏾☝🏾\n\n#themarkymarkfiles #buildawhalefiles #acidyofiles #hurtlockerfiles #neoxianfiles #louis88files #azirconfiles #jacobtothefiles #ausbitbankfiles #poshtokenfiles #menofiles #Guiltypartiesfiles #Usainvotefiles #smoothfiles\n\n☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾☝🏾",
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